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In Webster v. Receivables Performance Mgmt., No. 1:18-cv-03940-TWP-DML, 2020 U.S. Dist. LEXIS 128233 (S.D. Ind. July 21, 2020), Judge Walton Pratt found that a debt collector violated the FDCPA by failing to report an account as ‘disputed’ despite the fact that the consumer did not dispute the debt within the 30-day validation period and despite the consumer’s faxing a dispute… Read More

In Blahous v. Sarrell Reg'l Dental Ctr. for Pub. Health, Inc., No. 2:19-cv-798-RAH-SMD, 2020 U.S. Dist. LEXIS 125394 (M.D. Ala. July 16, 2020), Judge Huffaker dismissed a data breach case due to absence of compensable loss. The facts were as follows: For many, the phrase "data breach" provokes dread and invokes disquiet. Suddenly, a person's once private information roams untrammeled,… Read More

In In re Sonic Corp. Customer Data Sec. Breach Litig., No. 1:17-md-2807, 2020 U.S. Dist. LEXIS 114891 (N.D. Ohio July 1, 2020), Judge Gwin allowed a negligence claim to stand in a data breach case against Sonic.  The facts were as follows. Sonic restaurants are largely franchisee-owned. Sonic Defendants only directly own about 6% of Sonic restaurants. However, Sonic exerts… Read More

In Thomas v. Kimpton Hotel & Rest. Grp., No. 19-cv-01860-MMC, 2020 U.S. Dist. LEXIS 114170 (N.D. Cal. June 30, 2020), Judge Chesney dismissed part(s) of a data breach claim.  The facts were as follows: In the operative complaint, the Third Amended Complaint ("TAC"), plaintiffs allege Kimpton, an entity that "own[s] or manage[s]" a number of hotels (see TAC ¶ 1),… Read More

In Loi Nguyen v. House of Imps., Nos. G056789, G057216, 2020 Cal. App. Unpub. LEXIS 4006, at *2 (June 25, 2020), the Court of Appeal affirmed a jury trial verdict in favor of a car dealer. The Court had some words for the appellant's briefing. The appellant has the duty to fairly summarize all of the facts in the light… Read More

In Newger v. First Contact, No. 1:20-cv-00039-SNLJ, 2020 U.S. Dist. LEXIS 107348 (E.D. Mo. June 18, 2020), the District Court found that an arbitration award in favor of a consumer’s creditor could be used by the debt collector to estop the consumer from bringing new claims. In this case, there is no serious dispute that the arbitral award dispensed of… Read More

We wrote about this issue last year, although the issue remains somewhat unsettled.  (https://www.severson.com/hyman-s-j-and-figueroa-k-contribution-and-indemnity-for-wrong-number-calls-under-the-telephone-consumer-protection-act-vol-73-conf-cons-fin-l-q-84-fall-2019/) In Anthony v. Progressive Leasing, No. 1:19-cv-04431-TWP-MJD, 2020 U.S. Dist. LEXIS 105846, at *5-8 (S.D. Ind. June 16, 2020), the District Court declined to allow a counter-claim for indemnity against a TCPA's Plaintiff's spouse who allegedly had provided the number. In her complaint, Plaintiff brings a… Read More

In Walker v. Westlake Fin. Servs., No. 19 C 6921, 2020 U.S. Dist. LEXIS 105794 (N.D. Ill. June 17, 2020), Judge Kendall permitted an FDCPA/TCPA defendant to file a counter-claim on the debt back against the Plaintiff. Walker, however, takes too narrow a view and disregards several relevant facts. Here, Westlake's claim involves "the same parties, contracts, and course of… Read More

On June 16, 2020, the Consumer Financial Protection Bureau (Bureau) released a series of Frequently Asked Questions (FAQs) regarding furnishers and credit reporting agencies (CRAs) obligations under the CARES Act.  Here is a link to the FAQs: https://files.consumerfinance.gov/f/documents/cfpb_fcra_consumer-reporting-faqs-covid-19_2020-06.pdf Most critically, the FAQs clarified that when enforcing the amendments to FCRA under the CARES Act, the Bureau "expects furnishers and consumer… Read More

In Hill v. CAG2 of Tuscaloosa, LLC, No. 7:19-cv-02044-LSC, 2020 U.S. Dist. LEXIS 104442 (N.D. Ala. June 15, 2020), Judge Coogler held that a car dealer was stuck with an adverse arbitration award. The facts were as follows: On January 9, 2019, Plaintiffs filed their Demand for Arbitration against Carlock, alleging violations of the Truth in Lending Act, 15 U.S.C.… Read More

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